 Just removing taxes from the equation. And you'll see why that's so important with these new inherited RMD rules, required minimum distributions for inherited IRAs. See, we have what's called the peak 65. We have over 4 million people will turn 65 just in the remainder of this year. In fact, starting this summer, over 12,000 people a day are turning 65 and will for quite a period of time. So...